| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.6 pts |
| ROA | 1.74% | 1.28% | +0.5 pts |
| ROE | 13.1% | 12.4% | +0.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $584.9M | $501.6M | $349.4M | $80.3M | $5.1M | 1.74% | 4.33% | 0.05% |
| Q1 2026 | $586.7M | $505.1M | $340.7M | $78.2M | $2.4M | 1.67% | 4.21% | 0.06% |
| Q4 2025 | $588.8M | $509.5M | $327.1M | $76.1M | $10.2M | 1.82% | 4.36% | 0.04% |
| Q3 2025 | $552.5M | $470.6M | $341.9M | $78.3M | $7.6M | 1.83% | 4.39% | 0.06% |
| Q2 2025 | $554.1M | $474.8M | $340.2M | $75.8M | $4.7M | 1.69% | 4.30% | 0.15% |
| Q1 2025 | $551.6M | $475.1M | $315.9M | $73.1M | $2.2M | 1.57% | 4.13% | 0.10% |
| Q4 2024 | $557.2M | $484.3M | $301.5M | $70.3M | $7.9M | 1.46% | 3.85% | 0.11% |
| Q3 2024 | $531.4M | $455.8M | $292.5M | $72.5M | $5.5M | 1.36% | 3.76% | 0.07% |
Loan mix (Q2 2026): real estate $276.1M · commercial $37.8M · consumer $33.7M · securities $151.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 61.2% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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